Checking Account

Apply for a Discover Cashback Debit account without impacting your credit score.

Apply for a Discover Cashback Debit account without impacting your credit score.
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Start earning 1% cash back today

On up to $3,000 in debit card purchases each month.

See Deposit Account Agreement for details on transaction eligibility, limitations and terms.

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Bank with a no-fee checking account

No. Fees. Period. That means you won't be charged a fee on our free checking account.

Get paid early with direct deposit

Get your paycheck up to two days early when you set up direct deposit for your online checking account.

Early Pay is automatically available to checking, savings (excluding IRA savings) and money market customers who receive qualifying ACH direct deposits. At our discretion, and dependent on the timing of our receipt of the direct deposit instructions, we may make funds from these qualifying direct deposits available to you up to 2 days early. See our Deposit Account Agreement for more information.

Explore the benefits of a Discover checking account

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Fraud protection

A comprehensive set of features and tools to help protect your checking account from fraud.

Digital wallets

Link your debit card with Google Pay™ Google Pay is a trademark of Google LLC., Apple Pay® or Samsung Pay™ and earn rewards on qualifying purchases.
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60,000+ fee-free ATMs

Some ATMs have limited hours and/or restricted access. You may be charged a fee by the ATM owner if you use an ATM that is not part of our no-fee network. If you encounter any issues using the ATMs displayed on this site, please contact us at 1-800-347-7000.

Easily access the cash from your checking account at stores you already visit. ATM Finder

Add cash to your account

Add cash to your checking account using your contactless debit card at any Walmart in the U.S. — with no fees.

Send money with Zelle®

Send money to and receive money from friends and family.

Overdraft Services

Protect your account from overdrafts without worrying about fees.

Overdraft Protection will require a second account, which is typically a Money Market or Online Savings Account.

Balance+ is a no-fee overdraft coverage that applies to your debit card transactions. It is not available to cover checks, ATM/Cash withdrawals, or other electronic payments, such as Zelle®. Repayment is due immediately. Balance+ is provided at our discretion, and we may decline to cover any debit card transaction, for example, if we suspect the transaction is fraudulent. Please review the agreement as other terms and conditions apply.


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Checking that checks all the right boxes

Comparison conducted by an independent research firm and based on data compiled in July 2024 from company websites, customer service agents, and consumer checking account offers. In some cases, competitors assess and/or waive fees if certain criteria are met. The non-Discover Bank service marks for Chase, Bank of America, Wells Fargo, U.S. Bank, Chime, Capital One and Fifth Third are owned by each respective entity.

See how our Cashback Debit account compares to other banks across the board.

COLLAPSE ALL

Discover

Cashback Debit

Remove Bank

Chase

Total Checking

Remove Bank

Bank of America

Advantage Plus

Remove Bank

Wells Fargo

Everyday Checking

Remove Bank

U.S. Bank

Smartly Checking

Remove Bank

Chime

Chime Banking

Remove Bank

Capital One

360 Checking

Remove Bank

Fifth Third

Momentum Checking

1% cash back on up to $3,000 in debit card purchases each month

See Deposit Account Agreement for details on transaction eligibility, limitations and terms.

Yes No No No No No No No

Access to over 60,000 NO-FEE ATMs in the U.S.

ATM Finder

Yes No No No No Yes Yes No

Fee-free overdraft protection transfer service

Some competitors may have fees regarding excess number of transactions from a savings or money market account that may impact overdraft protection transfer services.

Yes Yes No Yes Yes No Yes Yes

Get paid up to 2 days early with Direct Deposit

Early Pay is automatically available to checking, savings (excluding IRA savings) and money market customers who receive qualifying ACH direct deposits. At our discretion, and dependent on the timing of our receipt of the direct deposit instructions, we may make funds from these qualifying direct deposits available to you up to 2 days early. See our Deposit Account Agreement for more information.

Yes No No Yes No Yes Yes Yes

Send and receive money with Zelle®

Yes Yes Yes Yes Yes No Yes Yes

Free help removing your personal info from select people-search websites. Activate by mobile app

Online Privacy Protection is offered by Discover Bank at no cost and only available in the mobile app. About every 90 days we will scan at least 10 people-search sites for your online personal information and help you submit opt-out requests. Types of personal information found on these sites will vary.

Yes No No No No No No No

Freeze debit card

When you freeze your debit card, Discover will not authorize new purchases, or ATM transactions, with that frozen debit card. Most other account activity will continue as normal, including previously scheduled and recurring transactions, internal and external transfers, deposits, online bill payments from the Discover Account Center, returns, credits, dispute adjustments, reward redemptions, and checks paid.

Yes Yes Yes Yes Yes Yes Yes Yes
Add Bank Opens a dialog box

Discover

Cashback Debit

Remove Bank

Chase

Total Checking

Remove Bank

Bank of America

Advantage Plus

Remove Bank

Wells Fargo

Everyday Checking

Remove Bank

U.S. Bank

Smartly Checking

Remove Bank

Chime

Chime Banking

Remove Bank

Capital One

360 Checking

Remove Bank

Fifth Third

Momentum Checking

No monthly fee (no balance or activity requirements)

In some cases, competitors assess and/or waive fees if certain criteria are met.

Yes No No No No Yes Yes Yes

No fee for insufficient funds

Some competitors may have minimum thresholds before insufficient funds fees are applied and may have a cap on the number of insufficient funds fees charged in a timeframe.

Yes No Yes No No Yes Yes No

No-fee official bank check

Yes No No No No No No $10

No-fee for expedited delivery of your replacement debit card

Yes No No Yes Yes No Yes No

No-fee check reorder

Yes No No No No No No No
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Checking account FAQ

View All FAQ

We do not charge any account-related fees. However, there is a $30 service charge for each outgoing wire transfer from your Discover bank account.

You may earn 1% cash back on up to $3,000 in debit card purchases each month*. That's up to $360 each year!

* See Deposit Account Agreement for details on transaction eligibility, limitations and terms.

You can deposit funds to your Cashback Debit Account in the following ways:

  • Online transfer from an external bank account to your Cashback Debit Account
  • Through Direct Deposit
  • Deposit a check payable to you with Discover's Mobile Check Deposit Service using your mobile device.
  • Mail a check that is made out to you with your account number on the memo line to:
          Discover Bank
          PO Box 30417
          Salt Lake City, UT 84130

Early Pay is a free service from Discover that gives you access to funds from qualifying Automated Clearing House (ACH) direct deposits up to two days early. Keep in mind that early access depends on when the payment initiator (or “Payor”), typically a business or government entity, sends us information that your deposit is on the way.

Yes, your Cashback Debit account is eligible for enrollment in our overdraft protection service. Click here for more information about overdraft protection.

Apply for a free checking account online in minutes

Apply for a Discover Cashback Debit account without impacting your credit score.
Ready to get started? Apply for a Discover Cashback Debit account without impacting your credit score.

Get expert tips for managing your checking account

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woman opens an online checking account on her mobile device
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Learn how to determine your optimal checking account balance.
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Learn how several free and easy options can help you fund your new account quickly.
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